Insurance Claims & Bad Faith
Holding Insurance Companies Accountable When They Deny, Delay, or Underpay Valid Claims
Insurance policies exist to provide financial protection when unexpected events occur. When an insurance company denies a valid claim, delays payment without justification, or offers a settlement far below the actual value of the loss, policyholders are left to bear the financial burden that their insurance was supposed to cover. At Your Legal Advocate, we represent policyholders in disputes with insurance companies across all lines of coverage, and we pursue bad faith claims against insurers whose conduct crosses the line from disagreement into bad faith.
JD Moises built his litigation career handling insurance disputes at scale. As the founding partner of a firm that became the sixth-largest in Florida for lawsuits against insurance companies, he has extensive first-hand experience with the tactics insurance companies use to minimize payouts and the legal strategies that hold them accountable.
Types of Insurance Disputes We Handle
- Property insurance claims: Homeowner’s insurance disputes involving hurricane damage, water damage, fire damage, roof claims, and other property losses
- First-party bad faith: Claims against your own insurer for failing to investigate, evaluate, or pay claims in good faith as required by Florida law
- Coverage disputes: Litigation over whether a policy covers a particular loss, including interpretation of policy exclusions, conditions, and endorsements
- Uninsured/underinsured motorist claims: Disputes with your own auto insurer over UM/UIM benefits following an accident
- Commercial insurance disputes: Business interruption, commercial property, general liability, and professional liability coverage disputes
- Declaratory relief actions: Court proceedings to determine the rights and obligations of insurers and policyholders under a policy
Understanding Bad Faith Under Florida Law
Florida law imposes a duty of good faith on insurance companies in their handling of claims. When an insurer fails to meet this standard, the policyholder may have a cause of action for bad faith. Bad faith claims can arise from unreasonable claim denials, failure to conduct a thorough investigation, unreasonable delay in processing a claim, failure to communicate with the policyholder, and offering settlements that are unreasonably low relative to the value of the claim. Successful bad faith claims can result in damages that exceed the policy limits, including consequential damages suffered by the policyholder as a result of the insurer’s conduct.
Our Approach
Insurance companies have teams of adjusters, investigators, and attorneys whose job is to support the insurance company’s actions. We level the playing field by bringing the same level of preparation and professionalism to the policyholder’s side. We review policies in detail, gather and present evidence of the loss, retain appropriate experts, and pursue claims through negotiation, appraisal, mediation, and trial as necessary. Our goal is to ensure that policyholders receive the full value of the coverage they paid for.
Insurance companies have teams of adjusters and attorneys working to support them. You deserve an advocate who understands how insurers operate from the inside out. JD Moises fights to hold insurance companies accountable, whether through negotiation, litigation, or bad faith claims under Florida law.
